The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$12,639
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,032
−HK$399/mo
Today · 4.125%
HK$13,431
baseline
▲ 0.50% · 4.625%
HK$14,249
+HK$818/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$26,862/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,061
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,438
−HK$382/mo
Today · 4.125%
HK$14,820
baseline
▲ 0.50% · 4.625%
HK$15,601
+HK$781/mo
Deposit HK$2.77M · loan HK$2.77M · min. income ≈ HK$29,640/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$124,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,167
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,638
−HK$480/mo
Today · 4.125%
HK$16,118
baseline
▲ 0.50% · 4.625%
HK$17,098
+HK$980/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$32,236/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,873
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,325
−HK$459/mo
Today · 4.125%
HK$17,784
baseline
▲ 0.50% · 4.625%
HK$18,722
+HK$938/mo
Deposit HK$2.22M · loan HK$3.33M · min. income ≈ HK$35,568/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$124,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,694
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,245
−HK$559/mo
Today · 4.125%
HK$18,804
baseline
▲ 0.50% · 4.625%
HK$19,948
+HK$1,144/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$37,608/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,685
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,213
−HK$535/mo
Today · 4.125%
HK$20,748
baseline
▲ 0.50% · 4.625%
HK$21,842
+HK$1,094/mo
Deposit HK$1.66M · loan HK$3.88M · min. income ≈ HK$41,496/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$124,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,750
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,457
−HK$719/mo
Today · 4.125%
HK$24,176
baseline
▲ 0.50% · 4.625%
HK$25,647
+HK$1,471/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$48,352/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,309
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,988
−HK$688/mo
Today · 4.125%
HK$26,676
baseline
▲ 0.50% · 4.625%
HK$28,082
+HK$1,406/mo
Deposit HK$554K · loan HK$4.99M · min. income ≈ HK$53,352/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$124,711 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).